深圳金蝶互联网金融服务有限公司

Name

深圳金蝶互联网金融服务有限公司

Legal name

深圳金蝶互联网金融服务有限公司

Website

https://fin.kingdee.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Shenzhen-based financial services entity operating under the Kingdee Xiaodai (金蝶效贷) brand, offering a single SME lending/financing product through the kingdeefin.com platform, with implied affiliation to the broader Kingdee enterprise software ecosystem.

Ownership category

akta.pro rank

Product category

SME Online Lending

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• SME online lending
• Small business credit
• Enterprise financing
• Internet lending platform
• Supply chain finance

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations

Core offering

Shenzhen Kingdee Internet Financial Services Co., Ltd. operates the "Kingdee Xiaodai" (金蝶效贷) online lending platform, providing credit and financing solutions to small and medium enterprises (SMEs) in China. The platform leverages the broader Kingdee enterprise software ecosystem to deliver accessible digital lending services to SMEs seeking working capital and financing.

Differentiator

Problem solved

Functional benefit

Products and services

• 金蝶效贷 (Kingdee Xiaodai) Kingdee Xiaodai (金蝶效贷) is an online lending platform that provides credit and financing solutions to small and medium enterprises (SMEs) in China. It leverages the Kingdee enterprise software ecosystem to deliver digital lending services for working capital and business financing needs.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• WeBank (微众银行): Tencent-affiliated digital bank providing SME and consumer credit via WeChat-ecosystem data. Comparable as a tech-ecosystem-anchored digital lender with alternative-data underwriting, though it has a stronger consumer tilt.
• MYbank (网商银行): Ant Group-affiliated digital bank focused exclusively on SME and small-merchant lending, using e-commerce and Alipay data for underwriting. Directly comparable as a digital-native, SME-only lender serving Chinese small businesses.
• JD Finance (京东金融 /京东科技): JD.com's fintech arm providing supply-chain finance and SME lending to JD merchants and broader Chinese SMEs. Directly comparable as e-commerce-anchored SME credit provider.
• Fei Dai (飞贷金融科技): Mobile-first Chinese SME working capital lender focused on small merchants. Comparable as a similarly-sized pure-play SME fintech lender in the Chinese market.
• Yonyou Financial (用友金融): Yonyou is China's #1 ERP/accounting software vendor and the closest direct analogue to Kingdee. Yonyou Financial is its embedded SME lending arm, leveraging ERP-embedded finance flows — the exact business model 金蝶效贷 is attempting to replicate on Kingdee's installed base.
• Du Xiaoman (度小满): Baidu-affiliated fintech platform offering SME and consumer credit leveraging Baidu search and AI data. Comparable as a big-tech-ecosystem digital lender competing in Chinese SME working capital.
• CreditEase (宜人金科/宜信): Established Chinese fintech platform historically focused on P2P/lending and now SME and consumer credit. Comparable as a digital-native Chinese lender, though much larger and more established.

Others

• Tongdun Technology (同盾科技): Chinese AI-based credit decisioning and risk analytics provider. Not a direct lender, but adjacent — supplies the alternative-data underwriting infrastructure that SME lenders like 金蝶效贷 would either build or buy to compete.

Broad incumbents

• Ping An Bank (平安银行): Major incumbent Chinese commercial bank with a large SME loan book and aggressive digital SME initiative. Comparable as a major competitor in the same Chinese SME lending market, but operates as a full-service bank rather than a pure fintech.
• Hangzhou Bank (杭州银行): Regional Chinese commercial bank with a focused SME lending franchise, often cited as a benchmark for SME-banking digitalization. Comparable as an incumbent SME lender competing for the same borrowers, though via traditional banking rather than fintech rails.

Market position

Customer concentration

• LinkedInlinkedin.com/company/%E6%B7%B1%E5%9C%B3%E9%87%91%E8%9D%B6%E4%BA%92%E8%81%94%E7%BD%91%E9%87%91%E8%9E%8D%E6%9C%8D%E5%8A%A1%E6%9C%89%E9%99%90%E5%85%AC%E5%8F%B8

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 深圳金蝶互联网金融服务有限公司